Share (Savings) Account – Your share account is your “share” in Spojnia Credit Union as a member. An initial share deposit of $5.00 is required. Dividends are declared quarterly by the Board of Directors.
Christmas Club – Holiday expenses are easier when you save throughout the year with a Spojnia Credit Union Christmas Club. The club runs for fifty weeks and checks are disbursed October 1. Dividends are calculated by the average daily balance method and posted quarterly. Maximum amount is $5000.00.
Vacation Club – You work hard all year. Your vacation is your time to relax and refuel for next year’s tough demands. Spojnia Credit Union’s Vacation Club is exactly what you need to get the vacation you deserve. The club begins in April and runs for fifty weeks. Checks are disbursed each April 1. Dividends are calculated by the average daily balance method and posted quarterly. Maximum amount is $5000.00.
Share Draft Account – A Share Draft Account is the same as a checking account. No per check charge, no monthly maintenance fee, no minimum balance required. Checks are ordered through a vendor and mailed directly to your home. Charges for printing the checks vary according to the style chosen.
Share Certificate of Deposit – A Share Certificate is a great way to earn higher annual percentage yield. These time deposits pay the highest possible ratesl The credit union currently offers a six, twelve, twenty-four, thirty-six, forty- eight and sixty month share certificates. Rates are fixed for the entire certificate term. Dividends are calculated by the average daily balance method and posted quarterly. A minimum deposit of $1000.00 is required.
Direct Deposit – Your money is automatically deposited and immediately available regardless of where you are. You don’t have to worry about a lost, stolen, or mail delayed check. Most federal payments are now issued by electronic funds transfer (EFT).